Paramount Real Estate

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Jason [redacted] , the author of the business's reply letter, is consistent with M & T Bank's erroneous position that I and / or my insurance agent are at fault for failing to provide proof of insurance renewal by the deadlineMr [redacted] has not acknowledged that the fault lies with M & T, not with my insurance agent or meNor did he promise that the committed errors he wrongly denies and ignores will not be repeated Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below In M&T Bank's response, they said they notified me regarding the change in November statementHere I attach both November and December statementsIt is clear that there was no such a notificationIn addition, in my complaint filed on 7/7/2015, I asked them to close my accountThey did not do it and charged another $on 7/17/ Regards, *** ***

We have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve our complaint The attachments provided by M&T Bank did not provide the answer, whether the default beneficiary was spouse or estate, which could have been conclusive and avoid the need for probateTheir representative erroneously claimed it had to be the estate under the law and refused us access to their legal department to clarify that error and understand the basis of their positionTheir responses were non-responsive require further repeated inquiry on behalf of our client Due to the above, we opened an estate administration and our client incurred expenses greater than the value of the asset held with M&T M&T neglected to provide a response to our proposed resolve to this matter Regards, [redacted] ***

This is to advise you that Complaint # [redacted] has been resolvedThanks for your assistance [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below If you do not want customers to use the $sign up bonus promotion code then give the customer a 'courtesy' message saying this on the sign up pageIt's really just that simpleIt's banks like yours that make people put their money in shoeboxesYou honestly give banking in general a bad name I will say thank you though for closing this bank account and I still reject that you are not giving me the $sign up bonus that was stated I would get during the opening of the bank account I will be leaving my review of your shady business practices on every website that has your banks name attached to it Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below1) I did not dispute the July 11, transaction because although I did use the card at the Charles Theater on this date, I did not use a PIN for the transaction2) I contacted the Charles Theater and when doing a credit transaction, a PIN is not needed nor requested I was told that they upgraded their system years ago to take credit card transactions.3) I, as previously stated before, requested a PIN and never received one When I requested a personal PIN number (that I had to mail in), I never received that PIN number confirmation either.I have never requested cash on the card nor have ever needed to use the card in conjunction with a PIN number on any transaction that I have done with the card.Regards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The response did not address the issue at handI had to get on a plane to make the transaction happenHow is that at all reasonable? A better response would be that you would review your practices, policies, and procedures for situations such as mineYou did not take into account my personal situation what so everNor did it sound like you reviewed my multiple phone calls trying to avoid having to get on a plane to make a wire transfer for a real estate transactionCompletely unsatisfactory response in my opinion, a customer of yours for nearly yearsRegards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below This is a simple fix and your bank refuses to do what is right for their customer You refuse to for "insert arbitrary reason here" Having to fight an insurance company for years for any kind of realistic settlement to the loss we suffered, and on top of the way we were horribly treated by your bank after Hurricane Irma, at no point did you show a shred of compassion or willingness to do the right thing You bank was paid in full for the amount of the mortgage, I should have merely let you keep the check and defaulted on the remaining amount owed on the property, and let you keep it Now we are going to have to continue our fight with our insurance company about issuing a new check Which they are currently refusing to do, since they believe this matter is closed, and the issue resides with you as a horrible bank I can see that litigation is forthcoming against your financial institution Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI still view this entire process as extremely high risk for myself as a homeowner as I may potentially have a lien filed against my property if insurance funds are not released in a timely fashion by M&T Bank after completion of workA contractor has a limited window of time in order to file a lien on a property after completion of work in Oklahoma and not receiving payment in fullI still feel that I, as a homeowner, am at the mercy of M&T Bank scheduling the inspection and releasing the funds in a timely fashion before a lien or court action could potentially be filed by the Contractor against me as I will be the person signing the contract for work with the ContractorThe follow-through with M&T Bank has been non-existent thus far and I have received conflicting and obviously inaccurate information every time I callI had requested a copy of the denial of my request for exemption from the express monitoring; I have yet to receive the requested letterI have been told that M&T Bank would deduct the inspection fee from insurance proceeds several times, but I have also been told that I wouldn't be responsible for paying the inspection feeA rep also stated they would fax a statement to my wife stating that they would waive the inspection feeThat of course didn't happenAll M&T Bank customer service reps state they are right and the other M&T Bank reps my wife and I talk to are wrong and giving us bad informationFurther, I do not agree to the Current Account Statement Terms and Conditions as I view this as an addendum to the original mortgage document and these new terms and conditions offer no further consideration other than access to insurance proceeds to pay the ContractorSigning this document modifying the original terms of the contract (mortgage) and granting additional rights to the lien holder to tap insurance proceeds for undefined fees and expenses without any consideration as a precondition to releasing insurance proceeds is not in my best interest to sign and acknowledgeThough I am not behind in my mortgage, nor have I been behind in mortgage payments, there is too much open ended language involved: one specific example is "including cost fees or any expenses associated with our account"M&T Bank does not clearly articulate what the cost fees or expenses areThe document also states that remaining funds will be paid to the outstanding principle balance of the mortgageThen states in the next sentence that once the loan is brought current and all fees and expenses are paid, any remaining proceeds will be returned promptly to the mortgagor(s) The only way these remaining funds could be paid to the mortgagor is if the mortgage were paid offThe language in the sentence states outstanding principle balance meaning any balance of the mortgage and not the past due or principle payment balanceThis is contradictory language unless the mortgage is paid off Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Here are clear details for M&T Bank to investigate further08/Payment deducted out of [redacted] Bank Account 08/ Payment deducted out of [redacted] bank accountYour records show that only one of these payments was received [redacted] bank account shows that both payments were deducted and nothing credited back No actual reversal back into [redacted] bank account occurred I have statements and account balances showing the balance was decreased each time by $from the [redacted] bank account A dispute was opened to find out where the payment went The dispute was closed with $returned to [redacted] bank in November However, this was not a complete investigation as to where the additional funds(298.62) went A payment was simply returned to the [redacted] bank account causing the loan payment to be one month behind If both payments made were credited to the loan account, as should be, then the loan would be on time The additional $made in the beginning of August is still missing and according to the tracking # provided by [redacted] bank went to M&T bank As for the account showing a reversal, I have a printout of the loan activity statement where each month the account shows a reversal No one is sure what the reversal means including representatives from M&T They assume that it is reversed back to [redacted] bank for insufficient funds My son was told once by M&T Bank that the payment goes through another step where it gets credited to the auto loan and probably that is the term used for the transaction.(Not sure if this is correct, but this is what he was told) The claim by M&T Bank that the July payment was returned for insufficient funds is incorrect At the time the first payment was made in early August, the account had quite enough funds, so that when the auto deduction occurred again the second time in the beginning of August, it deducted funds again Please review all paperwork consisting of statements, account balances, tracking numbers, and letters explaining the issue sent multiple times to Consumer Asset Management One of the payments made in August is still missing and is at M&T bank based on the Company ID, but not credited to the auto loan I was told by M&T during their investigation that it went into a non-existing loan account If your investigation can focus on tracking where that one payment went, recovering it, and crediting it to the auto loan, this issue will be resolved It did not get returned or reversed back to the [redacted] Bank account If you are unable to get the records from Consumer Asset Management, I will be happy to send them to whoever is investigating this I am looking for a resolution to this and the resolution is not that I am missing a payment, it is where in M&T Bank did my extra payment made in early August went Once it is found, it should be credited to the auto loan Regards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] While I accept their response, M&T needs to provide improved customer service as my choice of words appeared to be different from theirs I DO NOT work at M&T, therefore, when I use the word STOP, it means to STOP, to not proceed any further! They need to train their employees to ask the appropriate questions to customers so that our meanings of chosen words mean the same thing! I find that this resolution is satisfactory to me, with the exception of their customer service training! Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I've been trying to get my title since FebruaryThis is when [redacted] taxes were paid(Please see the attached document) I have made dozens of calls to get my title since FebruaryM&T still hasn't released my title electronicallyI would like my title released

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I was still misleadI wasn’t worried about the late fees , I was worried about getting late on our credit reportsI was fine doing it the way I was I never paid the repayment lateThey got the first date wrongI called on the 30th of the month beforeSo if I didn’t like what they were offering I could still make my monthly payment on the 30th to avoid getting day noticesthey cause they s to get three Regards, [redacted]

Hi officer, my complaint is solved by my bank they give me money back and I closed the account with the bankThank you appreciate for help Thanks

Mrs. [redacted] D. [redacted] called to say something was omitted from original complaint, please add: My mother was allowed to remove $1700 from my husband and my checking account. The disputed amount should be $1700 not the $1,955.05 on complaint data screen Please correct the complaint.

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below You guys post transactions in the order you want You should have cleared my $deposit on 04/18/as well as the $ [redacted] transaction and not delay the depositYou are manipulating transactions, I never have this problem with my other bank which post transactions chronologically even if they are showing as pendingIn addition, they don't send me text message accounts update after midnight On 04/16/16: I made an online payment of $to my [redacted] credit lineM&T posted that transaction on 04/18/ On 04/17/2016: - 1st transaction 7:58Am: $sent for deposit in CHK - 2nd transaction 12:Pm: I made a debit payment of $at [redacted] store On 04/19/2016: at 1:46AM, I received a text Alert Stating: “M&T Alert: CHKis below $Available balance is -$ as of 1:46AM on 04/19/May not reflect all transactions.” As of 04/18/in the late night, [redacted] transaction and [redacted] transaction are first posted in the night batch but my $ deposit ( which should be posted too on the same date) is still shown as pending leading the overdraft 04/19/ I took a screenshot of my account on 04/19/at 7:AM, the $is still shown as pending but my available balance is $however my total balance is -$Why the $deposit is was not cleared at the same time as the [redacted] transaction on 04/18/which came second? [redacted]

The following reasons why M & T Banks reply does not make sense and thus we do not accept the reply.1) On 1/10/a service charge of was taken out of the account This service charge has no explanation as to why it was applied to our account.2) On 01/17/the account had a withdraw by a phone pymt to capital one in the amount of $ This payment was not authorized for this account, the bank had been notified of the mistake prior and has nothing to resolve it.3) Further on 2/8/another service fee was withdrawn this on in the amount of $from the account with no explanation.4) Finally, I could have just discussed this with M T bank but their reply letter does not provide an email and phone point of contact for the person handling this matter at M T bank instead it provides info on their collection company Again, showing they have no interest in fixing their mistakes, just I should just shut up and pay them is the attitude.5) this reply does not explain how account went from (01/23/2017) overdrawn to the stated on the letter.6) Also, I called the number given M T for MRS BPO three times today and no answers You are just placed a waiting line for the next rep and no one picks up.7) The letter states a letter was sent on 05/24/we have no such letter, another mistake by MT bank I guess.8) Finally got someone at MRS BPO but they were unable to assist me due to the fact M T bank did not put on the letter the MRS BPO account number MRS BPO instructed me to contact MT bank back for the required info, such as the account number.9) I did receive a letter today from MRS BPO, so I called them, gave them the account number and they will not talk to me since I am not listed on my account at MRS BPO M T bank did not put my name on my business account instead they put the wrong name on the account They placed my wife’s name who is just listed on the account so she can do business transactions in my absence Again, another example of MT banks continuing mistakes!So, M & T takes money for their mistakes, does not correct them, does not even explain them and does not provide the required information so we can get the collection company to explain them What an effective way to make unhappy customers! I had and still offer to cover the $payment but not the $in fees due to M & T issues and mistakes If I made the mistake I would expect to pay the fee, but since M T made the mistake they should cover the fee.Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI indicated in writing that I do not want overdrafts to be authorizedI signed the documentTherefore I was under the impression that if I ever was unable to cover a transaction, it would be declined and there would be no overdraft feeIn my opinion, M&T Bank is shady, greedy for money, and misleads it's depositorsI will be closing my account as a resultI also indicated in my complaint that I am willing to speak to the mediaI will be doing so to let the public know how dishonest M&T Bank is and how they run their businessRegards, *** [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below M&T is still stating that my year mother had my Checking account number That is a untrue statement The teller looked up my mothers and my joint savings account, and noticed that I had another account She then wrote my checking account number on the withdraw form and had my mother sign it They are not taking responsibility for this whole mess My mother handed the teller her banking journal that had her banking Code information I have also included the paper that the teller wrote my name and my account number ending in The response letter said "On March 3, 2016, your mother, Benita [redacted] , entered the M&T bank (Eden Park Branch and request to make a withdrawal and provided the account number ending - 3690" This is what I'm upset about That is not a true statement, and the attached documentation is the proof I want them to take responsibility for this whole mess! In the letter it states that I would receive a check for the amount of $1,and they do not say if they are going after my Mother for the balance owed the bank I will not cash that check until I have in writing that they are not going to go after my year old mother for a mistake that the teller made All she had to do was to tell my mother that she didn't have enough in her savings accountThese are my reasons for my not accepting the response Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] After numerous calls in which first I was told it would go back into my account and then a series of lies saying the check would be mailed to me, the refund was FINALLY deposited back into my accountI would NEVER recommend this bank to anyone and for sure I will make sure I never deal with them again The issue is closed to me now that I have the money backThanks Revdex.com for your quick response to me